The guidance and/or advice contained within this website are subject to the UK Regulatory Regime, and are therefore targeted at consumers based in the UK. Merit Financial Solutions Limited is a well established company providing independent financial advice. This means that we are able to provide a comprehensive financial planning service based on many years experience of financial services and to offer a "whole of market" service.
We are not "tied" to any insurance company or fund manager. Our entire focus is on our clients and their needs; placing them at the heart of our business is what has helped us to grow over the years and we take our responsibilities under the Financial Conduct Authority's "Treating Customers Fairly" initiative very seriously. Please take a few moments to look through the website.
We would be pleased to discuss your requirements with you without obligation, so please give us a call on 01460 240746. The purpose of this website is to provide technical and generic guidance and should not be interpreted as a personal recommendation or advice.
We are not "tied" to any insurance company or fund manager. Our entire focus is on our clients and their needs; placing them at the heart of our business is what has helped us to grow over the years and we take our responsibilities under the Financial Conduct Authority's "Treating Customers Fairly" initiative very seriously. Please take a few moments to look through the website.
We would be pleased to discuss your requirements with you without obligation, so please give us a call on 01460 240746. The purpose of this website is to provide technical and generic guidance and should not be interpreted as a personal recommendation or advice.
Services
Merit Financial Solutions Limited is run by Ray Tutton DipPFS with over 26 years' experience of advising individual and corporate clients on most aspects of financial planning and holds the Diploma of the Personal Finance Society, part of the Chartered Insurance Institute.
Historically we have tended to see our clients in their own homes.
This has been seen as a great benefit, as it provides for a more relaxing environment and one where all necessary information required for the advice process can easily be found.
Historically we have tended to see our clients in their own homes.
This has been seen as a great benefit, as it provides for a more relaxing environment and one where all necessary information required for the advice process can easily be found.
People generally invest in order to provide themselves and their families with a better standard of living.
In order to do so, it is necessary to put money aside now in a manner that is most likely to produce results later on.
But all forms of investment carry the risk that investment values will fall, or, at best fail to keep pace with inflation.
That is why we invariably recommend to our clients that they follow an asset allocation strategy.
In simple terms this means not putting all their eggs in one basket, but matching where money is invested to their needs and circumstances, reflecting their attitude to risk.
In order to do so, it is necessary to put money aside now in a manner that is most likely to produce results later on.
But all forms of investment carry the risk that investment values will fall, or, at best fail to keep pace with inflation.
That is why we invariably recommend to our clients that they follow an asset allocation strategy.
In simple terms this means not putting all their eggs in one basket, but matching where money is invested to their needs and circumstances, reflecting their attitude to risk.
Protecting our families is a basic instinct for most people and making sure that they are provided for financially, should anything happen to a principal breadwinner, is of paramount importance.
Life assurance - designed to pay a lump sum on death or a regular income for a specified period, which may be used to repay outstanding debts;.
Income protection - designed to replace a proportion of income, usually for a specified period, if an earner is unable to work due to accident or sickness, this may be used to cover more than just mortgage payments etc;.
Life assurance - designed to pay a lump sum on death or a regular income for a specified period, which may be used to repay outstanding debts;.
Income protection - designed to replace a proportion of income, usually for a specified period, if an earner is unable to work due to accident or sickness, this may be used to cover more than just mortgage payments etc;.
Planning for retirement is probably one of the most important things that we do, because upon decisions made while working will depend the standard of living enjoyed (or not) later in life.
In simple terms, pensioners have been getting progressively worse-off, compared with those in work, for more than a decade because wages usually rise faster than inflation.
Anyone (together with their employer, if they have one) can invest as much as they wish into any number of pension schemes.
However there is an annual allowance beyond which no tax relief is available, set at J40,000 for 2018/2019.
In simple terms, pensioners have been getting progressively worse-off, compared with those in work, for more than a decade because wages usually rise faster than inflation.
Anyone (together with their employer, if they have one) can invest as much as they wish into any number of pension schemes.
However there is an annual allowance beyond which no tax relief is available, set at J40,000 for 2018/2019.
We have extensive experience of helping businesses to identify potential financial threats and to ensure that strategies are put in place to minimise their impact.
For most businesses, whether large or small, their most valuable asset is their employees.
But it is also important to be aware that there are usually one or two people whose loss through illness or injury could be potentially catastrophic for the company.
In some cases, there are obvious "key people" such as the top salesperson, account handler or the chief executive.
For most businesses, whether large or small, their most valuable asset is their employees.
But it is also important to be aware that there are usually one or two people whose loss through illness or injury could be potentially catastrophic for the company.
In some cases, there are obvious "key people" such as the top salesperson, account handler or the chief executive.
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